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| SISTEMA: Rendimientos y Costos Financieros a Marzo del 2005 1/ |
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Banpro |
Bancentro |
BAC |
BDF |
BU |
Caley |
Procredit |
Finarca |
Findesa |
Sistema |
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| INGRESOS
FINANCIEROS |
8.3% |
8.6% |
14.5% |
10.7% |
25.7% |
6.2% |
36.6% |
17.7% |
29.4% |
11.5% |
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Por Disponibilidades |
0.5% |
0.3% |
0.2% |
0.2% |
0.5% |
0.1% |
0.8% |
0.5% |
0.8% |
0.3% |
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en el exterior |
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1.8% |
1.2% |
1.8% |
0.9% |
1.1% |
0.7% |
0.6% |
4.7% |
#¡DIV/0! |
1.4% |
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Por Inversiones |
10.7% |
12.0% |
21.0% |
17.1% |
37.3% |
7.2% |
#¡DIV/0! |
0.0% |
0.3% |
14.0% |
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valores del estado |
10.9% |
12.8% |
22.7% |
18.8% |
39.8% |
7.9% |
#¡DIV/0! |
#¡DIV/0! |
4.0% |
14.7% |
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depósitos en el exterior |
1.5% |
2.3% |
1.4% |
1.7% |
1.8% |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
1.7% |
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otros |
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0.0% |
0.0% |
0.0% |
0.0% |
0.0% |
0.0% |
#¡DIV/0! |
0.0% |
0.0% |
0.0% |
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Por créditos |
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14.5% |
12.1% |
16.0% |
13.7% |
28.9% |
8.3% |
36.6% |
17.9% |
28.3% |
16.6% |
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Por créditos (c/saneamientos) |
14.1% |
11.7% |
15.9% |
12.5% |
28.6% |
8.2% |
36.3% |
17.2% |
27.7% |
16.3% |
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personales |
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16.3% |
11.8% |
10.9% |
18.1% |
92.3% |
12.8% |
44.4% |
19.6% |
29.8% |
24.8% |
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comerciales |
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11.3% |
11.2% |
9.8% |
12.1% |
10.7% |
8.6% |
32.0% |
19.6% |
30.3% |
12.7% |
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agrícolas |
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10.9% |
11.4% |
10.8% |
11.3% |
10.9% |
8.3% |
25.1% |
17.4% |
32.6% |
11.0% |
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ganaderos |
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13.8% |
12.7% |
12.3% |
12.3% |
15.1% |
4.2% |
#¡DIV/0! |
0.0% |
23.3% |
14.6% |
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industriales |
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10.7% |
10.6% |
10.6% |
9.2% |
10.7% |
8.2% |
32.4% |
20.0% |
15.2% |
10.7% |
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vivienda |
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10.7% |
10.3% |
10.1% |
11.0% |
10.7% |
8.0% |
31.6% |
16.9% |
23.1% |
10.9% |
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tarjeta |
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39.7% |
27.1% |
31.8% |
28.7% |
29.6% |
#¡DIV/0! |
83.1% |
#¡DIV/0! |
#¡DIV/0! |
31.5% |
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otros |
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15.7% |
12.6% |
18.2% |
8.0% |
20.0% |
6.3% |
0.0% |
15.6% |
2.0% |
13.5% |
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Por otras operaciones |
0.0% |
8.1% |
-1.3% |
0.0% |
6.8% |
132.5% |
0.0% |
15.0% |
794.8% |
12.2% |
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| GASTOS
FINANCIEROS |
4.0% |
3.5% |
2.4% |
3.8% |
3.7% |
2.7% |
7.0% |
8.3% |
9.2% |
3.7% |
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Por obligaciones con el público |
3.9% |
3.4% |
2.1% |
3.6% |
3.5% |
2.5% |
5.7% |
5.8% |
5.9% |
3.4% |
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ahorro + plazo |
4.9% |
4.3% |
2.8% |
3.7% |
4.2% |
3.3% |
5.8% |
6.0% |
5.9% |
4.2% |
6.0% |
2.8% |
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depósitos de ahorro |
2.6% |
2.9% |
2.0% |
2.1% |
2.6% |
2.1% |
4.6% |
5.9% |
3.8% |
2.5% |
5.9% |
2.0% |
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depósitos a plazo |
6.2% |
6.0% |
4.2% |
5.5% |
6.0% |
4.2% |
6.6% |
6.0% |
7.0% |
5.8% |
6.6% |
4.2% |
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otros |
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2.6% |
2.7% |
2.5% |
64.3% |
2.2% |
0.0% |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
2.9% |
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Por oblig. c/insituciones financ. |
5.5% |
5.2% |
5.2% |
6.1% |
5.5% |
4.9% |
7.4% |
5.8% |
9.2% |
6.1% |
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FNI |
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7.1% |
6.6% |
5.4% |
6.2% |
6.4% |
5.5% |
5.6% |
6.4% |
6.8% |
6.3% |
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Instituciones del exterior |
6.1% |
4.6% |
#¡DIV/0! |
8.3% |
2.6% |
3.3% |
4.6% |
7.2% |
9.2% |
6.1% |
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Por obligaciones con el BCN |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
11.5% |
10.1% |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
10.9% |
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Por oblig. Subord/convert. en K |
#¡DIV/0! |
7.9% |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
11.8% |
8.4% |
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| SPREAD
FINANCIERO |
4.3% |
5.1% |
12.1% |
6.9% |
22.1% |
3.5% |
29.5% |
9.4% |
20.2% |
7.8% |
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Banpro |
8.3% |
Procredit |
0.36557724 |
Banpro |
4.0% |
Banpro |
0.04017213 |
0.09181366 |
Banpro |
4.3% |
Procredit |
0.29537006 |
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Bancentro |
8.6% |
Findesa |
0.29428304 |
Bancentro |
3.5% |
Bancentro |
0.03544947 |
0.08317502 |
Bancentro |
5.1% |
BU |
0.22077427 |
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BAC |
14.5% |
BU |
0.25730184 |
BAC |
2.4% |
BAC |
0.02357176 |
0.07020718 |
BAC |
12.1% |
Findesa |
0.20246938 |
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BDF |
10.7% |
Finarca |
0.17747931 |
BDF |
3.8% |
BDF |
0.03800565 |
0.04017213 |
BDF |
6.9% |
BAC |
0.12107976 |
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BU |
25.7% |
BAC |
0.14465152 |
BU |
3.7% |
BU |
0.03652757 |
0.03800565 |
BU |
22.1% |
Finarca |
0.09430429 |
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Procredit |
36.6% |
BDF |
0.10693127 |
Procredit |
7.0% |
Procredit |
0.07020718 |
0.03652757 |
Procredit |
29.5% |
BDF |
0.06892562 |
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Finarca |
17.7% |
Bancentro |
0.0862263 |
Finarca |
8.3% |
Finarca |
0.08317502 |
0.03544947 |
Finarca |
9.4% |
Bancentro |
0.05077682 |
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Findesa |
29.4% |
Banpro |
0.08335189 |
Findesa |
9.2% |
Findesa |
0.09181366 |
0.02357176 |
Findesa |
20.2% |
Banpro |
0.04317976 |
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| 1/ relaciones
anualizadas |
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banpro |
1.15% |
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bancentro |
0.20% |
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bac |
2.80% |
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bdf |
2.66% |
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bu |
5.15% |
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confia |
-2.77% |
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delta |
#¡REF! |
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finarca |
2.71% |
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findesa |
-4.91% |
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